FHATop pick
Active
27$235,000Potential short sale
- Rate
- 3.45%
6.95%today- Payment
- $1,173/mo
$1,740today
- 3beds
- 2baths
- 1,313sqft
Florence, Arizona
Assumable homes for salein Florence, Arizona.
53 homes in Florence carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.84%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Florence assumable market
by the numbers.
53active assumable listings
2.84%lowest locked rate
$329kmedian list price
$460saved per month vs. 7.2%
About the market
Assumable mortgagesin Florence, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Florence. Updated September 2026.
How assumptions work for buyersFlorence, Arizona has 53 homes for sale with an assumable mortgage as of September 2026: 36 FHA loans and 17 VA loans that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Florence assumable listings start at 2.84% with a median of 6.11%; 23 listings are under 4% and 24 are under 5%.
The median assumable home in Florence lists for $328,900, with a median of $98,378 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $1,583 a month versus $2,043 for the same balance at today's rate, roughly $460 kept every month and $5,523 a year. The most active Florence ZIP codes are 85132 (53).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Florence assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Florence
View all 53 on the map Homes on the marketin Florence.
FHA
Active
44$339,000$51,021 down
- Rate
- 2.94%
6.95%today- Payment
- $1,360/mo
$2,151today
- 4beds
- 3baths
- 2,220sqft
6790 QUIET RETREAT --, Florence
FHA
Active
42$275,000$51,210 down
- Rate
- 3.02%
6.95%today- Payment
- $1,071/mo
$1,677today
- 3beds
- 2baths
- 1,541sqft
30141 OAK Drive, Florence
FHA
Active
18$320,000$32,894 down
- Rate
- 3.06%
6.95%today- Payment
- $1,377/mo
$2,145today
- 4beds
- 2baths
- 1,699sqft
3902 PINTO VALLEY Road, San Tan Valley
VA
Active
63$385,000$43,920 down
- Rate
- 3.07%
6.95%today- Payment
- $1,616/mo
$2,514today
- 4beds
- 2baths
- 2,133sqft
5630 PATRIOT Way, Florence
VA
Active
19$345,000$104,213 down
- Rate
- 2.84%
6.95%today- Payment
- $1,117/mo
$1,790today
- 3beds
- 2baths
- 1,522sqft
79 CENTRAL Avenue, Florence
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Florence.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 53
- UMe Certified / verified
- 0
- Lowest rate
- 2.84%
- Median rate
- 6.11%
- Median list price
- $328,900
- Median cash to assume
- $98,378
Florence listings by locked rate
- Under 4%23 homes
- 4% – 5%1 home
- 5% – 6%2 homes
- 6% and up27 homes
Florence listings by loan type
- FHA36 homesmedian 6.38%
- VA17 homesmedian 3.10%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Florence ZIP code.
Each ZIP opens the Florence map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Florence numbers
What an assumable ratedoes to a Florence payment.
The sliders start at the median Florence assumable listing: $328,900 list price and a 6.11% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$100,000
30% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Florence
$1,472/mo
New loan at 7.20%$1,561
Assumed at 6.10%
$1,472
Every month$90
Over five years$5,371
Interest you never pay$102,86626-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Florence listing on UMe shows the actual balance, rate, and payment.
How it works in Florence
How to assumea mortgage in Florence.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a Florence home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Florence map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $98,378 in Florence today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a Florence payment written in a different decade.
Florence questions
Assuming a mortgagein Florence.
The numbers below come from current Florence inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Florence?
As of September 2026, UMe tracks 53 active assumable listings in Florence. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Florence?
Current Florence inventory breaks down as FHA (36, median 6.38%) and VA (17, median 3.10%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
What is the lowest assumable mortgage rate in Florence?
The lowest rate on an active Florence assumable listing is 2.84%, and the median across all 53 listings is 6.11%. 23 listings are under 4% and 24 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Florence?
Across current Florence listings, the median principal-and-interest payment on the assumable loan is $1,583 per month versus $2,043 for the same balance at today's rates, a difference of about $460 every month, or $5,523 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
How much money do I need to assume a home in Florence?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Florence that gap is currently a median of $98,378 on a median list price of $328,900. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
Which Florence ZIP codes have the most assumable homes?
The Florence ZIP codes with the most active assumable listings are 85132 (53). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
How long does a mortgage assumption take in Florence?
Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Nearby markets
All of Arizona More assumable homesin Arizona.
Ready when you are
Stop overpaying for Florence.The rate is already on the house.
Every listing on the Florence map has a rate you can take over. Start with the ones in Florence, get pre-qualified in minutes, and let UMe carry the assumption to closing.
